LTV · monthly repayment
▼ 0.50% · 3.625%
HK$91,372
−HK$5,730/mo
▼ 0.25% · 3.875%
HK$94,215
−HK$2,887/mo
Today · 4.125%
HK$97,102
baseline
▲ 0.50% · 4.625%
HK$103,011
+HK$5,909/mo
Deposit HK$20.04M · loan HK$20.04M · min. income ≈ HK$194,204/mo (50% DSR)
Upfront cash ≈ HK$21.74M (deposit + AVD stamp duty HK$1,703,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,651
−HK$5,492/mo
▼ 0.25% · 3.875%
HK$104,377
−HK$2,766/mo
Today · 4.125%
HK$107,143
baseline
▲ 0.50% · 4.625%
HK$112,791
+HK$5,648/mo
Deposit HK$20.04M · loan HK$20.04M · min. income ≈ HK$214,286/mo (50% DSR)
Upfront cash ≈ HK$21.74M (deposit + AVD stamp duty HK$1,703,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,647
−HK$6,876/mo
▼ 0.25% · 3.875%
HK$113,058
−HK$3,465/mo
Today · 4.125%
HK$116,523
baseline
▲ 0.50% · 4.625%
HK$123,613
+HK$7,090/mo
Deposit HK$16.03M · loan HK$24.04M · min. income ≈ HK$233,046/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,703,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,981
−HK$6,590/mo
▼ 0.25% · 3.875%
HK$125,253
−HK$3,318/mo
Today · 4.125%
HK$128,571
baseline
▲ 0.50% · 4.625%
HK$135,349
+HK$6,778/mo
Deposit HK$16.03M · loan HK$24.04M · min. income ≈ HK$257,142/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,703,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,921
−HK$8,022/mo
▼ 0.25% · 3.875%
HK$131,901
−HK$4,042/mo
Today · 4.125%
HK$135,943
baseline
▲ 0.50% · 4.625%
HK$144,215
+HK$8,272/mo
Deposit HK$12.02M · loan HK$28.05M · min. income ≈ HK$271,886/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,703,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,311
−HK$7,689/mo
▼ 0.25% · 3.875%
HK$146,128
−HK$3,872/mo
Today · 4.125%
HK$150,000
baseline
▲ 0.50% · 4.625%
HK$157,907
+HK$7,907/mo
Deposit HK$12.02M · loan HK$28.05M · min. income ≈ HK$300,000/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,703,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,470
−HK$10,314/mo
▼ 0.25% · 3.875%
HK$169,586
−HK$5,198/mo
Today · 4.125%
HK$174,784
baseline
▲ 0.50% · 4.625%
HK$185,419
+HK$10,635/mo
Deposit HK$4.01M · loan HK$36.06M · min. income ≈ HK$349,568/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,703,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,972
−HK$9,885/mo
▼ 0.25% · 3.875%
HK$187,879
−HK$4,978/mo
Today · 4.125%
HK$192,857
baseline
▲ 0.50% · 4.625%
HK$203,023
+HK$10,166/mo
Deposit HK$4.01M · loan HK$36.06M · min. income ≈ HK$385,714/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,703,024 · Scale 2, in force from 26 Feb 2026)